My point is: is it stressful just because you feel it is stressful, or did you actually put a plan/budget together and feel stressed out after looking at the re

My point is: is it stressful just because you feel it is stressful, or did you actually put a plan/budget together and feel stressed out after looking at the results of that? Think about this, would you rather be stressed about this now, when you have a lifetime of earnings & potential ahead of you, or later, when you realize you can't retire when you want to because your retirement fund is low? N.B.: I don't know your specific situation, but I'm speaking in general terms/about the article.